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目前在全球商贸和金融领域中,各种金融交易卡已成为电子货币的重要载体,其中使用得最普通、最方便的是磁卡和IC卡。 IC卡(Integrated Circuit Card,集成电路卡)被人们称为人与信息系统连接的“接口”。它是一种利用安装在卡基上的集成电路(IC)来记录和传递信息的金融交易卡。智能卡是IC卡家族中功能最强、安全性最高的一个成员,它将中央处理器(CPU)、存储器、连同操作系统(COS)安装在卡基上。IC卡具有存储量大、数据安全、保密性能好、抗干扰能力强、操作速度快,并可脱机工作等优点,应用范围极其广泛。
Currently in the field of global commerce and finance, various financial transaction cards have become an important carrier of electronic money. Among them, the most common and the most convenient ones are magnetic cards and IC cards. An IC (Integrated Circuit Card) is referred to as an “interface” between people and the information system. It is a financial transaction card that records and delivers information using integrated circuits (ICs) mounted on a card substrate. A smart card is the most powerful and secure member of the IC card family that installs the CPU, memory, and operating system (COS) on a card. IC card with a large storage capacity, data security, confidentiality, anti-interference ability, operating speed, and can work offline, etc., an extremely wide range of applications.